TERMS OF SERVICE

Effective Date: August 7, 2026

Welcome to Lifestyles of the Determined Coaching. These Terms of Service govern your use of this website, your purchase of coaching services, digital resources, programs, sessions, or other offerings, and your participation in any coaching relationship with Lifestyles of the Determined Coaching.

By using this website, submitting payment, purchasing a service, enrolling in a program, scheduling a coaching session, or otherwise participating in services offered by Lifestyles of the Determined Coaching, you acknowledge that you have read, understood, and agreed to these Terms of Service.

If you do not agree to these Terms, please do not use this website or purchase or participate in the services.

1. ABOUT LIFESTYLES OF THE DETERMINED COACHING

Lifestyles of the Determined Coaching provides personal-development and life-coaching services designed to support clients in areas such as personal growth, decision-making, habits, routines, boundaries, goal setting, accountability, follow-through, mindset, self-awareness, faith, practical application, and sustainable life changes.

Coaching may include private sessions, educational resources, exercises, self-paced learning materials, between-session support, reflection prompts, planning tools, and other resources depending on the service or program purchased.

Services may include, but are not limited to:

  • The Made in the Wilderness Coaching Experience

  • Three-month private coaching

  • Six-month private coaching

  • Individual or additional coaching sessions

  • Digital resources

  • Workshops, group programs, or future coaching-related offerings

Specific services, pricing, duration, and deliverables may vary and will be described on the applicable sales, enrollment, checkout, or service page.

2. COACHING IS NOT THERAPY OR MEDICAL CARE

Coaching is not therapy, psychotherapy, counseling, psychiatric care, medical treatment, diagnosis, legal advice, financial advice, nutritional treatment, crisis intervention, or any other licensed professional service.

Lifestyles of the Determined Coaching does not diagnose, treat, cure, or prevent mental-health disorders, physical-health conditions, trauma-related disorders, disease, or other medical or psychiatric conditions.

Coaching may discuss personal history, emotions, beliefs, habits, stress, relationships, patterns, faith, or experiences that affect the client’s current life. These discussions are for coaching and personal-development purposes and are not clinical treatment.

Clients remain responsible for determining whether they need support from a licensed therapist, physician, psychiatrist, dietitian, attorney, financial professional, or other qualified provider.

If a matter falls outside the scope of coaching, the client may be encouraged to seek appropriate professional support.

3. CRISIS AND EMERGENCY SITUATIONS

Lifestyles of the Determined Coaching does not provide emergency or crisis services.

Between-session messaging, coaching sessions, email, text, voice messages, or other communication channels are not appropriate for emergencies or urgent mental-health, medical, safety, or crisis needs.

If you believe you or another person may be in immediate danger, are experiencing a medical emergency, or require urgent mental-health assistance, contact emergency services or an appropriate crisis resource in your location.

4. CLIENT RESPONSIBILITY

Coaching is collaborative.

The client is responsible for:

  • Making their own decisions

  • Determining what advice, suggestions, questions, exercises, or resources they choose to apply

  • Following through on actions they choose to take

  • Communicating honestly

  • Asking questions when something is unclear

  • Informing the coach of relevant circumstances that may affect coaching

  • Seeking licensed professional support when appropriate

  • Taking responsibility for their physical, emotional, relational, financial, spiritual, and professional decisions

The coach may provide questions, observations, tools, resources, accountability, perspective, and support. Final decisions and actions remain the client’s responsibility.

5. NO GUARANTEE OF RESULTS

Coaching outcomes vary from person to person.

Lifestyles of the Determined Coaching does not guarantee any specific personal, emotional, relational, spiritual, professional, financial, health, or lifestyle result.

Testimonials, examples, personal stories, client experiences, and descriptions of possible outcomes are illustrative only and do not guarantee that another client will experience the same results.

Progress depends on numerous factors, including the client’s circumstances, participation, consistency, decisions, willingness to apply what is discussed, external factors, and issues outside the control of the coach.

6. FAITH-BASED COACHING

Lifestyles of the Determined Coaching is openly Christian and may incorporate Christian faith, prayer, Scripture, biblical principles, spiritual reflection, wisdom, discernment, stewardship, and discussions of faith into coaching.

Participation in a coaching service does not create a pastoral, ministerial, clergy, spiritual-director, or professional counseling relationship.

The coach does not claim to speak for God or guarantee that a particular decision, outcome, opportunity, relationship, or circumstance represents God’s will.

Clients remain responsible for their own prayer, discernment, spiritual decisions, and relationship with God.

7. MADE IN THE WILDERNESS COACHING EXPERIENCE

The Made in the Wilderness Coaching Experience is a three-month structured coaching experience centered around one primary coaching goal.

It may include:

  • One 90-minute opening session

  • Six 60-minute private coaching sessions

  • A Life Audit

  • One primary coaching goal

  • A personalized MAP

  • Focused educational resources

  • Exercises and practical application

  • Between-session support

  • Progress reviews

  • Adjustments to the coaching plan

  • A final continuation plan

The program is personalized to the client, and specific exercises, resources, topics, or areas of focus may differ depending on the client’s goals and circumstances.

The coaching experience is designed to support progress toward a meaningful goal. It does not guarantee completion of the goal within three months.

8. DIFFERENCE BETWEEN MADE IN THE WILDERNESS AND REGULAR PRIVATE COACHING

The Made in the Wilderness Coaching Experience is structured around one primary goal and combines private coaching with focused resources, exercises, application, and between-session support.

Regular three-month and six-month private coaching may address multiple areas of a client’s life and may allow individual session goals to change depending on current needs, circumstances, and priorities.

The scope and structure of each service will be described before purchase.

9. ADDITIONAL COACHING SESSIONS

Current Made in the Wilderness clients may purchase additional 60-minute private coaching sessions at the then-current additional-session rate.

The current rate is $125 per additional 60-minute session.

Additional sessions:

  • Are available only to current clients unless otherwise stated

  • Are subject to scheduling availability

  • Are not emergency or crisis sessions

  • May address another relevant issue occurring in the client’s life

  • May still be connected to the client’s overall coaching work and desired outcome

Purchase of an additional session does not extend the underlying coaching program unless explicitly agreed in writing.

10. PAYMENT

Payment is required according to the option selected at enrollment.

Current Made in the Wilderness pricing is:

Pay in full: $1,697

or

Payment plan: $899 at enrollment, followed by two payments of $449

The total payment-plan investment is $1,797.

Pricing may change for future clients without notice. The client is responsible only for the price agreed to at the time of purchase.

11. PAYMENT-PLAN OBLIGATION

Selecting a payment plan is a commitment to pay the full agreed program price, not a month-to-month membership that may be canceled at any time.

For the Made in the Wilderness payment plan, the client agrees to:

  • Pay $899 at enrollment

  • Pay $449 approximately one month after enrollment

  • Pay a final $449 approximately two months after enrollment

Enrollment in the program creates an obligation for all scheduled payments unless otherwise required by law or specifically agreed to in writing.

Stopping participation in coaching does not automatically cancel the remaining payment obligation.

This distinction should also be clearly disclosed before payment because recurring or future charges must be disclosed and affirmatively authorized. The FTC has continued to pursue businesses that obscure recurring charges or make cancellation terms unclear.

12. AUTHORIZATION FOR FUTURE PAYMENTS

When selecting a payment plan and providing payment information, the client authorizes the use of that payment method for the remaining agreed payments to the extent permitted by the payment processor and applicable law.

The amount and timing of future payments will be disclosed before enrollment.

Clients are responsible for maintaining a valid payment method.

Any automatic payment authorization will apply only to the payment schedule the client affirmatively agreed to.

13. FAILED OR LATE PAYMENTS

If a scheduled payment fails, the client is responsible for promptly providing an updated payment method or making the payment through another accepted method.

Lifestyles of the Determined Coaching may pause:

  • Future coaching sessions

  • Between-session support

  • Access to program materials

  • Scheduling of additional services

until the account is brought current.

Reasonable efforts may be made to notify the client before services are paused.

Failure to make required payments does not eliminate the client’s obligation to pay the agreed remaining balance.

14. REFUNDS

Unless otherwise required by law or explicitly stated in writing at the time of purchase, coaching services and digital materials are non-refundable once services have begun or access has been provided.

This is because coaching capacity is reserved, preparation begins, digital materials may be delivered, and availability may be declined to other prospective clients.

However, any refund policy must be applied consistently with applicable consumer-protection law.

Stripe allows merchants to issue full or partial refunds, but the business remains responsible for determining when a refund is appropriate under its own policy and applicable law.

15. CANCELLATION BEFORE SERVICES BEGIN

If a client requests cancellation before the first coaching session or before receiving substantial program materials, Lifestyles of the Determined Coaching may consider the circumstances on a case-by-case basis.

Any refund, partial refund, administrative deduction, or cancellation of future payments must be confirmed in writing.

Nothing in this section eliminates any non-waivable consumer right available under applicable law.

16. VOLUNTARY WITHDRAWAL FROM A PROGRAM

A client may choose to stop participating in coaching at any time.

However, withdrawal from the program does not necessarily cancel:

  • Amounts already paid

  • Outstanding contractual payment obligations

  • Payment-plan installments already agreed to

unless otherwise required by law or agreed to in writing.

17. SCHEDULING

Clients are responsible for scheduling sessions according to the instructions provided.

Session availability is not guaranteed for every requested date or time.

Clients are encouraged to schedule sufficiently in advance.

18. RESCHEDULING AND CANCELLATION OF SESSIONS

A minimum of 24 hours’ notice is required to cancel or reschedule a private coaching session unless otherwise agreed.

Sessions canceled with less than 24 hours’ notice may be:

  • Considered used

  • Forfeited

  • Rescheduled only at the coach’s discretion

Exceptions may be made for genuine emergencies or extraordinary circumstances.

Repeated cancellations or rescheduling may affect the client’s ability to complete all included sessions within the program timeframe.

19. MISSED SESSIONS AND NO-SHOWS

If a client does not attend a scheduled session and does not provide appropriate notice, the session may be considered used.

The coach is not required to extend the program or provide a replacement session for a no-show.

20. LATE ARRIVAL

Sessions will generally end at the originally scheduled time even when a client arrives late.

Additional time is not guaranteed.

If the coach is late, reasonable efforts will be made to provide the client with the full scheduled session time or another appropriate accommodation.

21. PROGRAM TIMEFRAME

Made in the Wilderness is intended to be completed over approximately three months.

Clients are responsible for participating within the program timeframe.

Unused sessions generally expire at the end of the coaching period unless:

  • The coach agrees to an extension

  • A scheduling issue caused by the coach requires accommodation

  • Extraordinary circumstances warrant an exception

  • Applicable law requires otherwise

Extensions are not guaranteed.

22. BETWEEN-SESSION SUPPORT

Some coaching packages may include between-session communication by text, email, voice note, messaging platform, or another designated method.

Between-session support:

  • Is intended for coaching-related questions, accountability, progress updates, or relevant obstacles

  • Is not unlimited on-demand access

  • Is not emergency support

  • Does not guarantee an immediate response

  • Must remain within reasonable coaching boundaries

Specific communication days, response expectations, and boundaries may be provided separately.

The coach may redirect conversations that are too extensive for messaging into a scheduled coaching session.

23. COMMUNICATION BOUNDARIES

Clients agree to communicate respectfully.

Harassment, threats, abusive communication, excessive contact, sexual harassment, discriminatory abuse, or repeated violations of stated communication boundaries may result in termination of the coaching relationship.

24. TERMINATION BY THE COACH

Lifestyles of the Determined Coaching may terminate or pause services when reasonably necessary, including circumstances involving:

  • Nonpayment

  • Repeated boundary violations

  • Harassment or abusive conduct

  • Misrepresentation

  • Coaching being clinically or ethically inappropriate

  • The client requiring a level or type of support outside coaching scope

  • Repeated failure to attend or participate

  • Illegal conduct involving the coaching relationship

  • Conduct that creates a safety concern

Where appropriate, the coach may recommend another provider or type of support.

Financial obligations following termination will depend on the circumstances, services already provided, applicable agreements, and applicable law.

25. CONFIDENTIALITY

Information shared during private coaching will generally be treated as confidential and will not be intentionally disclosed to third parties except:

  • With the client’s permission

  • When reasonably necessary to operate the business or provide services

  • When disclosure is required by law, subpoena, court order, or other legal process

  • When there is a serious concern involving imminent harm or safety

  • When reasonably necessary to protect legal rights or respond to a dispute

  • When working with professional advisors who are expected to maintain confidentiality

Coaching confidentiality is not the same as legally protected therapist-client, physician-patient, attorney-client, or clergy privilege.

26. ELECTRONIC COMMUNICATION

The client understands that email, text messaging, video conferencing, cloud platforms, scheduling software, payment processors, and similar technology may involve privacy and security risks.

Reasonable care will be used, but no electronic platform can be guaranteed completely secure.

Clients should avoid sending highly sensitive medical, financial, legal, or identifying information through ordinary text or email unless necessary.

27. THIRD-PARTY SERVICES

Lifestyles of the Determined Coaching may use third-party providers such as:

  • Squarespace

  • Stripe

  • Email service providers

  • Scheduling platforms

  • Video-conferencing providers

  • File-sharing or cloud-storage services

  • Analytics providers

  • Form providers

Use of those platforms may also be subject to their own terms and privacy policies.

Lifestyles of the Determined Coaching is not responsible for outages, security incidents, errors, policies, or conduct of third-party services beyond its reasonable control.

28. INTELLECTUAL PROPERTY

All original materials provided through Lifestyles of the Determined Coaching remain the intellectual property of Lifestyles of the Determined Coaching unless otherwise stated.

This may include:

  • Worksheets

  • Workbooks

  • Coaching frameworks

  • The Life Audit

  • MAP materials

  • Exercises

  • Videos

  • Audio

  • Written lessons

  • Graphics

  • Templates

  • Training materials

  • Program names

  • Website copy

  • Presentations

  • Recorded material

  • Digital downloads

Purchasing coaching or a program gives the client a limited, personal, non-transferable license to use the materials for their own personal use.

Clients may not reproduce, sell, publish, distribute, teach, share, upload, license, copy, modify for resale, or commercially exploit the materials without written permission.

29. RECORDING

Clients may not record coaching sessions, screenshots, video calls, private messages, course materials, or other proprietary content unless the coach has given prior written permission.

The coach will not record private coaching sessions without informing the client and obtaining any consent required by applicable law.

30. TESTIMONIALS AND CLIENT STORIES

Client names, images, testimonials, private communications, or identifiable stories will not be publicly used for marketing without appropriate permission.

Where anonymous or de-identified examples are used for educational purposes, reasonable efforts will be made to remove identifying details.

31. DIGITAL PRODUCTS AND DOWNLOADS

Digital materials are for the purchaser’s personal use unless otherwise stated.

Because digital products may be immediately accessible, they may be non-refundable after delivery or access, except where required by law.

The purchaser may not redistribute or resell digital materials.

32. WEBSITE INFORMATION

Information on this website is provided for general educational and informational purposes.

Website content does not create a coaching relationship.

A coaching relationship begins only when the applicable enrollment process has been completed and any required payment and agreement requirements have been satisfied.

33. WEBSITE ACCURACY

Reasonable efforts are made to keep website information accurate and current.

However, Lifestyles of the Determined Coaching does not guarantee that every page will always be error-free, complete, current, or uninterrupted.

Pricing, descriptions, availability, program structure, or policies may be updated.

Changes will not retroactively alter a client’s agreed financial terms unless both parties agree or applicable law requires the change.

34. AVAILABILITY

Coaching availability is limited.

The presence of an offer on the website does not guarantee that enrollment space is currently available.

Lifestyles of the Determined Coaching may close enrollment, limit capacity, pause services, or discontinue an offer at any time.

35. AGE REQUIREMENT

Services are intended for adults age 18 or older unless otherwise expressly stated.

By purchasing coaching or using paid services, you represent that you are legally capable of entering into the agreement.

36. PERSONAL DECISIONS AND ASSUMPTION OF RISK

Personal growth and life changes can involve uncertainty, discomfort, difficult conversations, changing boundaries, emotional reactions, changes in routines, and other consequences.

Clients voluntarily choose whether and how to apply coaching discussions.

The client accepts responsibility for reasonably foreseeable consequences of their own decisions and actions.

Nothing in these Terms waives liability that cannot legally be waived.

37. RELATIONSHIPS AND THIRD PARTIES

Coaching may involve discussion of spouses, family members, friends, employers, coworkers, romantic partners, or other third parties.

The coach does not represent or advise those third parties and cannot verify all information communicated about them.

The client remains responsible for their own interpretation, decisions, communication, boundaries, and actions in those relationships.

38. HEALTH-RELATED DISCUSSIONS

Lifestyle, stress, sleep, habits, routines, emotional regulation, exercise, food, health concerns, or other health-related topics may arise because they affect a client’s life.

Such conversations are not individualized medical diagnosis or treatment.

Clients should consult qualified healthcare professionals regarding medical symptoms, medication, diagnosis, nutrition treatment, exercise restrictions, or health conditions.

39. FINANCIAL AND CAREER DISCUSSIONS

Coaching may include goals or decisions involving work, business, career, spending, debt, money habits, or financial stress.

This does not constitute financial, tax, investment, accounting, or legal advice.

Clients should consult qualified professionals where appropriate.

40. NO PROFESSIONAL-RELATIONSHIP GUARANTEE FROM WEBSITE USE

Reading website content, subscribing to an email list, following social media, listening to a podcast, sending a contact form, or purchasing a digital resource does not automatically create a private coaching relationship.

41. EMAIL MARKETING

Visitors may voluntarily subscribe to newsletters, updates, promotional emails, educational content, or other communications.

Subscribers may unsubscribe through the link provided in marketing emails.

Transactional communications relating to purchases, appointments, payments, agreements, or active client services may still be sent when reasonably necessary.

42. PROMOTIONS, BONUSES, AND GIFTS

Promotional bonuses, complimentary gifts, or special offers may be subject to stated eligibility requirements.

For example, a bonus offered specifically for paying in full is available only to clients who satisfy the stated pay-in-full requirements.

Bonus value does not convert to cash and is not deducted from the coaching purchase price unless explicitly stated.

43. DISCOUNTS AND PRICING

Promotional pricing, bonuses, payment plans, discounts, or special offers may change or expire.

A client is entitled only to the offer in effect and communicated to them at the time of purchase.

44. CHARGEBACKS AND PAYMENT DISPUTES

Clients are encouraged to contact Lifestyles of the Determined Coaching first if they believe a billing error has occurred.

Submitting a fraudulent or knowingly false chargeback does not eliminate a valid payment obligation.

Lifestyles of the Determined Coaching may provide relevant records to Stripe, financial institutions, or other payment processors when responding to a legitimate payment dispute.

45. FORCE MAJEURE

Lifestyles of the Determined Coaching will not be responsible for delays or inability to provide services caused by circumstances reasonably outside its control, including severe illness, natural disasters, widespread outages, government actions, emergencies, major technology failures, or similar events.

Reasonable efforts will be made to reschedule or provide an appropriate alternative when feasible.

46. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Lifestyles of the Determined Coaching will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from participation in coaching, use of the website, reliance on educational materials, or use of third-party platforms.

Where legally permitted, total liability arising from a particular paid service will not exceed the amount actually paid by the client for that service.

Nothing in these Terms excludes liability that cannot legally be excluded.

47. INDEMNIFICATION

To the extent permitted by law, users and clients agree to indemnify and hold harmless Lifestyles of the Determined Coaching and its owner from claims, losses, liabilities, or expenses arising from:

  • Their unlawful use of the website

  • Their violation of these Terms

  • Their unauthorized use or distribution of intellectual property

  • Their own actions or decisions

This provision does not apply where prohibited by law.

48. GOVERNING LAW

These Terms will be governed by the laws of the State of Connecticut, without regard to conflict-of-law principles, except where federal law or another mandatory law applies.

49. DISPUTE RESOLUTION

Before filing a legal claim, both parties agree to make a reasonable good-faith effort to resolve the dispute informally through written communication.

Nothing in this provision prevents either party from seeking emergency legal relief or exercising rights that cannot legally be waived.

I am not recommending that you add mandatory arbitration, class-action waiver, or jury-trial waiver without having a Connecticut attorney review those provisions specifically. Those can be powerful clauses, but they need to be drafted and implemented correctly.

50. SEVERABILITY

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

51. NO WAIVER

Failure to enforce any provision of these Terms does not waive the right to enforce that provision later.

52. CHANGES TO THESE TERMS

These Terms may be updated periodically.

The Effective Date at the top of the page will reflect the most recent version.

Material changes affecting existing paid clients will not retroactively alter agreed payment or service obligations unless permitted by law and appropriately communicated.

53. ENTIRE AGREEMENT

These website Terms, together with any separate coaching agreement, enrollment agreement, payment terms, informed-consent documents, program-specific policies, and written amendments applicable to the purchased service, constitute the agreement governing the client relationship.

If a program-specific signed coaching agreement conflicts with these general website Terms, the more specific written agreement will generally control for that coaching relationship.

54. CONTACT

Questions regarding these Terms, billing, services, or customer support may be directed through the contact information provided on the Lifestyles of the Determined website.